york and new jersey. behooved there is a real potential here -- there is a real potential here. if we are avoiding future costs, avoiding private sector costs in the future, there should be a way to capitalize the benefits in the future into private sector funding today. one of my principals is that the government should be a leader in doing smart mitigation. we have to look to our partners at the state and local level and to the private sector to leverage. they will be the beneficiaries as well if we avoid this kind of damage. >> i the weekend showed that in new jersey, connecticut, and other areas where we use the flood insurance map programs and homes or elevated, many of them had a minimal damage and were able to be read occupied one power that came back. -- homes not elevated were often destroyed. city-wide mitigation may be more effective strategy. i would also caution about going underground. everything in manhattan was underground including hospitals and emergency room that were flooded by salt wa